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<br />THIS INSTRUMENT PREPARED BY:
<br />Home Federal Savings & Loan Association of
<br />Grand Island
<br />221 South Locust Street
<br />GRAND ISLAND, NE 68801
<br />NMLS COMPANY IDENTIFIER: 446443
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<br />AFTER RECORDING RETURN TO:
<br />Home Federal Sav3ngs & Loan Association of
<br />Grand Island
<br />221 South Locnst Street
<br />GRAND ISLAND, NE 68801
<br />(Space Above This Line For Recording Data)
<br />DEED OF TRUST
<br />THIS DEED OF TRUST ("Security Instrument") is made on October 26, 2012. The grantor is JOANN K
<br />MUSIL, A SINGLE PERSON, whose address is 2428 HANCOCK AVE, GRAND ISLAND, Nebraska 68803-
<br />1838 ("Borrower"). Borrower is not necessarily the same as the Person or Persons who sign the Note. The
<br />obligations of Bonowers who did not sign the Note aze explained fiuther in the section titled Successors and
<br />Assigns Bound; Joint and Several Liability; Accommodation Signers. The trustee is Arend R Baack,
<br />Attorney whose address is P.O. Boz 790, Grand Island, Nebraska 68802 ("Trustee"). The beneficiary is Home
<br />Federal Savings & Loan Association of Grand Island, which is organized and existing under the laws of the
<br />United States of America and whose address is 221 5outh Locust Street, Grand Island, Nebraska 68801
<br />("Lender"). JOANN K MUSIL, REX A MUSIL, and SUSAN R MU5IL owe Lender the principal sum of
<br />Seventy-five Thousand Seventy-nine and 50/100 Dollars (U.S. $75,079.50), which is evidenced by the note,
<br />consumer loan agreement, or similar writing dated the same date as this Security Instrument (the "Note"), wluch
<br />provides for periodic payments ("Periodic Payments"), with the full debt, if not paid earlier, due on November
<br />20, 2017. This Security Instrument secures to Lender: (a) the repayment of the debt evidenced by the Note, with
<br />interest, and all renewals, extensions and modifications of the Note; (b) the payment of all other sums, with
<br />interest, advanced to protect the security of this Security Instrument uader the provisions of the section titled
<br />Protectlon of Lender's Rights in the Property; and (c) the performance of Bonower's covenants and agreements
<br />under this Security Instrument and the Note. For this purpose, Bonower, in consideration of the debt and the trust
<br />herein created, irrevocably grants and conveys to Trustee, in trust, with power of sale, the following descnbed
<br />property located in the COUNTY of HALL, State of Nebraska:
<br />Address: 2428 HANCOCK AVE, GRAND ISLAND, Nebraska 68803-1838
<br />Lega1 Description: LOT THREE (3), VIA MILANO SUBDIVISION, CTTY OF GRAND ISLAND,
<br />HALL COUNTY, NEBRASKA
<br />TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br />appurtenances, aad fixtures now or hereafter a part of the property. All replacements and additions sha11 also be
<br />covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br />"Property."
<br />BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to
<br />grant and convey the Property and that the Property is unencumbered, except for encumbrances of record.
<br />Borrower warrants and will defend generally the title to the Properly against all claims and dema.nds, subject to
<br />any encumbrances of record.
<br />Borrower and Lender covenant and agree as follows:
<br />Payment of Principal and Interest; Prepayment and Late Charges. Bonower shall promptly pay when due the
<br />principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br />Note.
<br />Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br />applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br />the effect of law) as well as all applicable fmal, non-appealable judicial opinions.
<br />Funds for Tages and Insurance. At Lender's request and subject to Applicable I,aw, Borrower shall pay to
<br />Lender on the day periodic payments aze due under the Note, until the Note is paid in full, a sum ("Funds") for: (a)
<br />yearly taxes and assessments which may attain priority over this Security Instrument as a lien on the Property; (b)
<br />yeazly leasehold payments or ground rents on the Property, if any; (c) yeazly hazazd or property insurance
<br />pre*n'�; (d) yearly flood insurance premiums, if any; (e) yearly mortgage in.c�rance premiums, if any; and ( fl
<br />O 2004-2011 Compliaace Systema, Ina 9BAD-3D04 - 2011I.2.0.485
<br />Conaumer Real Estete - Security Instrument DL2036 Page 1 of 6 www.compliancesyatema.com
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